Best Cheap Auto Insurance in Helena, AL (2021)

The average Helena, AL auto insurance rates are $318 per month. The minimum auto insurance in Helena is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Helena, Alabama, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Helena, AL for senior drivers are $2,002 per year
  • The average commute length in Helena is 31.3 minutes
  • The minimum auto insurance required in Helena, Alabama is 25/50/25

Helena, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Helena can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Helena, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Helena to other Alabama cities, including Hoover auto insurance rates, Decatur auto insurance rates, and Mobile auto insurance rates to see how Helena, Alabama auto insurance rates stack up.

Before you buy Helena, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Helena, Alabama auto insurance quotes.

Minimum Auto Insurance in Helena, Alabama

Helena, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Helena, Alabama.

Minimum Required Auto Insurance Coverage in Helena, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Helena, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Helena, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Helena, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,154 $2,041 $1,961 $1,997 $7,882 $8,490 $2,383 $2,425
Farmers $2,431 $2,409 $2,170 $2,311 $9,571 $9,840 $2,757 $2,852
GEICO $2,181 $2,178 $2,089 $2,177 $5,892 $5,777 $2,305 $2,133
Liberty Mutual $2,954 $3,186 $2,414 $2,700 $11,201 $12,455 $3,140 $3,335
Nationwide $1,709 $1,728 $1,561 $1,612 $4,538 $5,824 $1,898 $2,117
Progressive $2,391 $2,229 $1,972 $2,095 $10,387 $11,597 $2,815 $3,036
State Farm $3,220 $3,220 $2,938 $2,938 $10,173 $12,705 $3,650 $4,232
Travelers $1,360 $1,379 $1,285 $1,279 $7,383 $11,624 $1,289 $1,459
USAA $1,370 $1,391 $1,278 $1,252 $4,078 $4,521 $1,784 $1,927

Cheap Helena, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Helena, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Helena, Alabama.

Annual Auto Insurance Rates for Teen Drivers in Helena, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,882 $8,490
Farmers $9,571 $9,840
GEICO $5,892 $5,777
Liberty Mutual $11,201 $12,455
Nationwide $4,538 $5,824
Progressive $10,387 $11,597
State Farm $10,173 $12,705
Travelers $7,383 $11,624
USAA $4,078 $4,521

Cheap Helena, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Helena, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Helena, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,961 $1,997
Farmers $2,170 $2,311
GEICO $2,089 $2,177
Liberty Mutual $2,414 $2,700
Nationwide $1,561 $1,612
Progressive $1,972 $2,095
State Farm $2,938 $2,938
Travelers $1,285 $1,279
USAA $1,278 $1,252

Cheap Helena, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Helena, Alabama compared to the annual auto insurance rates with a clean record in Helena, Alabama.

Annual Helena, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,090 $3,666 $4,395 $3,516
Farmers $3,609 $4,680 $4,565 $4,317
GEICO $2,066 $3,358 $4,199 $2,744
Liberty Mutual $4,055 $5,660 $5,514 $5,464
Nationwide $2,299 $2,299 $3,333 $2,563
Progressive $4,110 $5,211 $4,440 $4,500
State Farm $4,831 $6,060 $5,323 $5,323
Travelers $2,817 $2,955 $4,331 $3,426
USAA $1,691 $2,122 $3,157 $1,830

Cheap Helena, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Helena, Alabama is not easy. Compare the annual rates for DUI auto insurance in Helena, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Helena, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,395
Farmers $4,565
GEICO $4,199
Liberty Mutual $5,514
Nationwide $3,333
Progressive $4,440
State Farm $5,323
Travelers $4,331
USAA $3,157

Cheap Helena, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Helena, Alabama annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Helena, Alabama

Insurance Company Poor Fair Good
Allstate $4,510 $3,570 $2,919
Farmers $4,806 $4,145 $3,927
GEICO $3,935 $2,804 $2,536
Liberty Mutual $7,386 $4,557 $3,576
Nationwide $3,160 $2,472 $2,238
Progressive $5,117 $4,426 $4,153
State Farm $8,744 $4,416 $2,993
Travelers $3,685 $3,200 $3,261
USAA $2,960 $1,923 $1,716

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Cheap Helena, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Helena, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Helena, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Helena, Alabama

ZIP Code Average Annual Rates
35080 $3,906
35124 $3,937

Cheap Helena, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Helena, Alabama auto insurance. Find the cheapest annual Helena, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Helena, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,667 $3,667
Farmers $4,293 $4,293
GEICO $3,039 $3,144
Liberty Mutual $5,173 $5,173
Nationwide $2,623 $2,623
Progressive $4,565 $4,565
State Farm $5,253 $5,516
Travelers $3,382 $3,382
USAA $2,099 $2,301

Cheap Helena, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Helena, Alabama? Check out the comparison of annual Helena, Alabama auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Helena, Alabama

Insurance Company Low Medium High
Allstate $3,531 $3,661 $3,808
Farmers $4,039 $4,235 $4,605
GEICO $2,841 $3,079 $3,355
Liberty Mutual $4,933 $5,149 $5,437
Nationwide $2,598 $2,603 $2,669
Progressive $4,123 $4,551 $5,023
State Farm $5,079 $5,380 $5,693
Travelers $3,201 $3,449 $3,496
USAA $2,124 $2,189 $2,288

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Best By Category: Cheapest Auto Insurance in Helena, Alabama

Compare the cheapest auto insurance companies in Helena, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Helena, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Helena, Alabama Auto Insurance Companies

What auto insurance companies in Helena, Alabama are the cheapest? Compare the top Helena, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Helena, Alabama

Insurance Company Average Annual Rates
Allstate $3,667
Farmers $4,293
GEICO $3,092
Liberty Mutual $5,173
Nationwide $2,623
Progressive $4,565
State Farm $5,384
Travelers $3,382
USAA $2,200

What affects auto insurance rates in Helena, Alabama?

There are a lot of reasons why auto insurance rates in Helena, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Helena, Alabama. Many local factors may affect your Helena auto insurance rates.

Helena Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Helena, Alabama auto theft statistics, there have been 18 auto thefts in the city.

Helena Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Helena, Alabama commute length is 31.3 minutes according to City-Data.

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Compare Helena, Alabama Auto Insurance Quotes

Before you buy Helena, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Helena, Alabama auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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